726 Charles Ave, Saint Paul, MN 55104 Property Records

Ramsey County property record for 726 Charles Ave, Saint Paul, MN 55104

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 979 sqft · built 1927
Lot Size	0.112 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jul 2023)
Tax Bill	$139 (2023)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`35-29-23-14-0164`

Property Details

APN / Parcel Number

Primary APN	`35-29-23-14-0164`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	979 sqft Living Area
1st Floor Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Stucco
Lot Area	4,922 sqft (0.112 acres)
Lot Dimensions	124 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	726 CHARLES AVE
City	SAINT PAUL
State	MN
Zip	55104-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	CHUTE BROTHERS DIVISION,NO. 7 LOT 12
Legal Range	23
Legal Township	29
Legal Section	35
Legal Quarter	1
Quarter-Quarter Section	4
Legal Subdivision	CHUTE BROTHERS DIVISION,NO 7
Legal Lot Number	12
Jurisdiction	RAMSEY MN
Township / Civil Division	ST. PAUL
Census Block Group	1
Census Block	1006
Census Tract	32500

Owner

Source: Ramsey County records, as of April 29, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	726 CHARLES AVE, SAINT PAUL, MN 55104-2718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Jul 26, 2023	Affidavit of Death of Joint Tenant, Transfer EDINA REALTY TITLE, EDINA REALTY TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	Jul 26, 2023
Deed Document Number	A04995982
Record Updated	Jun 7, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAMSEY MN
Recording Date	Jul 26, 2023
Property Address	726 CHARLES AVE, SAINT PAUL, MN 55104-2718
Document Number	0A04995982
Instrument Date	May 18, 2023
Instrument	A04995982
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$643.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 CHARLES AVE, SAINT PAUL, MN 55104-2718

Mortgage

Document Number	0A04995983
Date	Jul 26, 2023
Instrument	A04995983

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2053

Interest

Change Frequency	2 Years

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	RAMSEY MN
Recording Date	Jul 26, 2023
Property Address	726 CHARLES AVE, SAINT PAUL, MN 55104-2718
Document Number	0A04995981
Instrument Date	May 18, 2023
Instrument	A04995981
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 CHARLES AVE, SAINT PAUL, MN 55104-2718

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of February 1, 2023

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	St. Paul City
Unified School District	St. Paul Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$139.00	$206,300 Land $20,000 Building $186,300	$206,300 Land $20,000 Building $186,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 20, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Saint Paul Regional Water Services serves 392,529 people · EPA ID MN1620026
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2022
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 852 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, T-Mobile.

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